Follow the dollars · Assumption only
A complete cash picture for Dec 5, 2026
Your down payment$86,203Cash toward the purchase price.
Closing costs + prepaids$11,971Not just lender fees.
Before credits & paid funds$98,174The complete starting cash picture.
Estimated remaining funds due at closing
$98,174No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$86,202.75
Your down payment$86,202.75
Closing costs + prepaids$11,970.96
Total buyer cash needed$98,173.71
Remaining funds due$98,173.71
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,435.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,119.50
Prepaid interest, first (27 days)$1,191.46
Fees + prepaids$11,970.96
Your down payment is the seller’s equity. You take over the $257,297 balance, so the rest of the $343,500 price is paid at closing. A second mortgage can cover part of it. $98,173.71 is due at closing. Uses and sources reconcile at $355,470.96 each. Not a Closing Disclosure.